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Malaga FinancialMLGF 54 Shiller PE Ratio is 10.75 as of Aug. 18, 2026, which is 12% below its 10-year median of 12.17. GuruFocus rates MLGF with a GF Score™ of 54/100 and a GF Value™ of $20.22 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,240 Banks companies, Malaga Financial ranks better than 70.97% on this metric.
As of today (2026-08-18), Malaga Financial's current share price is $22.37. Malaga Financial's E10 for the fiscal year that ended in Dec25 was $2.08. Malaga Financial's Shiller PE Ratio for today is 10.75.
The historical rank and industry rank for Malaga Financial's Shiller PE Ratio or its related term are showing as below:
MLGF'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.16 Med: 12.17 Max: 16.33
Current: 10.75
During the past 13 years, Malaga Financial's highest Shiller PE Ratio was 16.33. The lowest was 10.16. And the median was 12.17.
MLGF's Shiller PE Ratio is ranked better than 70.97% of 1240
companies
in the Banks industry
Industry Median: 13.99
vs MLGF: 10.75
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Malaga Financial's adjusted earnings per share data of for the fiscal year that ended in Dec25 was $2.180. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $2.08 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Malaga Financial (OTCPK:MLGF) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Malaga Financial Shiller PE Ratio Related Terms
Malaga Financial Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Malaga Financial's Shiller PE Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MLGF vs KISB, CMTV, CZWI: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Malaga Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Malaga Financial Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Malaga Financial's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Malaga Financial's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Malaga Financial's E10 for the fiscal year that ended in Dec25 is calculated as:
For example, Malaga Financial's adjusted earnings per share data for the fiscal year that ended in Dec25 was:
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Malaga Financial (MLGF) has a Shiller PE Ratio of 10.75 as of Aug. 18, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Malaga Financial and its competitors. This is 12% below median its historical median of 12.17. Over the past decade, Malaga Financial's Shiller PE Ratio has ranged from 10.16 to 16.33. According to the industry distribution chart, Malaga Financial ranks #360 out of 1240 companies in the Banks industry, placing it in the top 29%.
Is Malaga Financial's Shiller PE Ratio too high?
Malaga Financial's current Shiller PE Ratio of 10.75 is 12% below median its 10-year median of 12.17. Over the past 10 years, this metric has ranged from a low of 10.16 to a high of 16.33. The Banks industry median Shiller PE Ratio is 13.99. Malaga Financial's value of 10.75 is 23.2% below this industry median. Based on the distribution chart, Malaga Financial ranks #360 out of 1240 companies in the Banks industry, which is above the industry midpoint. Overall, Malaga Financial has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Malaga Financial's Shiller PE Ratio compare to KISB and CMTV?
According to the Banks industry distribution chart, Malaga Financial ranks #360 out of 1240 companies for Shiller PE Ratio. This puts Malaga Financial in the upper half of its industry. The industry median Shiller PE Ratio is 13.99. Malaga Financial's value of 10.75 is 23.2% below this benchmark. Historically, Malaga Financial's own Shiller PE Ratio has ranged from 10.16 to 16.33 over the past decade. While the company's 10-year median is 12.17 vs. the industry median of 13.99, Malaga Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.99, based on 1,240 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Malaga Financial's current Shiller PE Ratio of 10.75 is 23.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Malaga Financial and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current Shiller PE Ratio is 10.75, which is 12% below median its own 10-year median of 12.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Malaga Financial stock overvalued right now?
Based on GuruFocus' analysis, Malaga Financial (MLGF) is currently considered Modestly Overvalued. The stock's GF Value™ is $20.22, compared to a current price of $22.37 — trading 10.6% above its estimated fair value. The current Shiller PE Ratio is 10.75, which is 12% below median its 10-year median of 12.17 and 23.2% below the Banks industry median of 13.99. Malaga Financial's overall GF Score™ is 54/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Malaga Financial (MLGF), the current Shiller PE Ratio is 10.75 as of Aug. 18, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Malaga Financial (MLGF) Overvalued in 2026?
Based on GuruFocus' analysis, Malaga Financial stock appears to be overvalued.
The current stock price of $22.37 is trading 10.6% above its estimated GF Value™ of $20.22.
GuruFocus considers Malaga Financial to be Modestly Overvalued.
Key valuation signals for MLGF:
Shiller PE Ratio: 10.75 (12% below median its 10-year median of 12.17)
GF Value™: $20.22 vs. price of $22.37 (10.6% above fair value)
Industry Position: 23.2% below the Banks median (#360 of 1240)
No single metric tells the full story. See the MLGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Malaga Financial Corp is a full-service community bank. The bank is a real estate lender concentrating on financing apartments, construction projects, and single-family residences. Its operations are related to traditional banking activities, including the acceptance of deposits and the lending and investing of money. Its customers consist of individuals and small-to-midsize businesses located in the Palos Verdes Peninsula and adjoining areas of Los Angeles and Orange Counties, California.
54GF Score
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